Nzira Yokubhadharwa Nayo Kana Iwe Uri Washandi Kana Kuti Freelancer
Ngatitaurire kuti iwe uri freelancer, kontrakta, kana iwe iwe pachako unoshanda iwe pachako. Iwe haunowanzobhadhara nguva dzose mavhiki maviri. Pane kudaro, iwe unowana zvipo zveporadi zvinouya munguva dzisingagumi.
Mwedzi yakawanda iwe unoita kaviri pane zvawakaita mwedzi wapfuura. Mamwe mwedzi iwe unoita hafu yezvawakaita mwedzi yapfuura. Iwe pasi pano unogona sei kuchengetedza bhajeti nezvose izvi zvisingatauri muupenyu hwako?
Heano mamwe mazano ekukubatsira iwe bhajari pasinei nemari yako yakawanda.
Danho Rokutanga: Tarisa mumabhuku eve makore maviri apfuura ekuwana mari. Ndeipi mari yakawandisa yawakaita mumwedzi mumwe? Ndeipi mari shomanana yemari yawakaita mune imwe mwedzi? Uye chii chakawandisa?
Kwemusi wekuti tigoisa pfungwa pane nhamba shomanana, mari shoma yawakaita mune imwe mwedzi.
Nhanho yechipiri: Shandisa mabhizinesi ekugadzira bhajeti kuti ugadzire bhajeti zvichienderana nemari shoma yawakaita mumwedzi wakadaro mumakore maviri akapfuura.
Sezvo ichi chakanga chiri chiduku iwe wawakagadzira, iwe unogona kunyanya kufunga kuti iwe uchaita zvishoma pane izvi mwedzi woga woga uchifambira mberi. Asi iwe unofanira kuisa bhajeti yako pane zvishoma iwe zvawakaita kuti uchengetedze nzvimbo yakachengeteka.
Mhanya kuburikidza nezvose zvaunoshandisa - kusanganisira yako yakasarudzwa uye yakasiyana-siyana - uye ona kana iwe uchigona kuita kuti izvi zvikwanisire bhajeti yako, zvichienderana nemari shoma yawakagamuchira mumwedzi.
Kana iwe usingakwanisi, tanga kutora zvinyorwa zvako zvekutengesa pane zvakakosha zvakanyanya kusakosha.
Iri pepa rekushanda richakubatsira iwe kufamba nenzira dzako dzose. Zvinotarisirwa ndezvi, nekududzirwa, zvinhu zvakakosha pane zvinhu zvako. Zvinosanganisira zvokudya, dzimba, magetsi, mvura, uye zvimwe zvinhu zvausingagoni kurarama pasina.
Discretionary zvinhu , kune rumwe rutivi, ndiyo inoshandiswa mari shoma pane yako. Izvi ndizvo zvinodhura zvaunoda kuti ucheke kana uri kuedza kuita kuti bhajeti yako igone mari yako.
Danho rechitatu: Gadzira chirongwa che "mari yako". Yeuka, iwe uri kugadzirisa bhajeti zvichienderana nemari shoma yawakawana mukati memakore maviri apfuura. Kana mamwe makore makumi maviri nemashanu apfuura ari chiratidzo, iwe uchange uine mari yakawedzerwa munguva dzakawanda dzenguva ino.
Gadzira hurongwa ikozvino kune zvauchaita nemari iyo yakawedzerwa. Kana zvisina kudaro, iwe unomhanyira njodzi yekuiputira.
Iwe unoda kuchengeta mari iyo yekutenga motokari yako inotevera mune mari ? Unoda here kuzarura mari yekoroji mari yevana vako? Iwe unoda kuumba gwaro guru rekuchengetedza mari kana kuisa iyo mari pakubhadhara chikwereti?
Sarudza zvido zvako uye uise mari yako yakawandisa kune iyo.
Nhanho yechina: Kana cheki inopinda, ichitsei kubva pauwandu hwemari.
Ngatitaurei somuenzaniso kuti iwe wakasika bharedhi yezvikamu zvishanu. Iwe wakasarudza kuti unoda kupedza 35% yemari yako pane dzimba, 15% pamusana pekubhadhara chikwereti, 10% pakuchengetedza, 15% pane zvokufambisa, uye imwe 25% pane zvimwe zvose.
Paunowana cheki kubva kune vateereri, pakarepo kuparadzanisa zvinotarisa kune zvakakosha zvitsva (mushure mekutanga kuisa pane zvakakodzera pamitero).
Iwe unogona kunyange kusvika pakukwereta cheki uye uise mari yacho muevelopputi kuitira kuti iwe uri kushandisa envelopu yekugadzirisa hurongwa.
Nokuparadzanisa cheki imwe chete inosvika, iwe unogona kuve nechokwadi kuti bhajeti yako inowirirana nemafungiro ako akanaka. Mune mamwe mazwi, iwe hausi kuzoisa mungozi yekushandisa 50% yemari yako pazvinhu zve discretionary uye usina kuwana zvakakwana zvakasara kune zvekutengesa.
Danho reChishanu: Vakai mari yakawanda yemakachengetedza.
Kana iwe uine mukana usina kukwana, "mari yekusimudzira" ndiyo shamwari yako yepamusoro.
Nekuchengetedza huwandu hwemazana emadhora emadhora mubhuku rako, iwe unenge uine imwe nzira yekutarisana nemwedzi apo vatengi vanokurumidza kukubhadhara.
Mari yakabhadhara mari yakasiyana nedzimwe dambudziko rekukurumidza. Mushonga uripo kungoita kuti uve nechokwadi chokuti unogona kubhadhara zvikwereti zvako zvose paunenge wakamirira mari yako yeporadi uye isina kukodzera kuonekwa mubhokisi rako rema mail.
Asi mari yekukurumidzira, asi, iyo imwe nhoroondo, iyo yausingagoni kubata kunze kwekuti yakaipa mamiriro ezvinhu epfuura.